The earnings call highlighted a successful acquisition and integration of Sandy Spring Bank, significant improvements in net interest margin, and strong loan growth. However, there were challenges related to seasonal deposit growth slowdown, increased NPAs, and high merger-related costs.

Company Guidance -

Q3 2025

During Atlantic Union Bankshares' second quarter 2025 earnings call, the company reported key metrics and guidance following its acquisition of Sandy Spring Bank. The acquisition closed on April 1, 2025, and contributed to a quarter-end loan-to-deposit ratio of approximately 88%. The CET1 capital ratio was noted at 9.8%, while the bank level CRE concentration ratio stood at 284%. The reported fully tax-equivalent (FTE) net interest margin expanded by 38 basis points to 3.83%, with core net interest margin improving by 8 basis points. Loan growth was approximately 4.0% annualized quarter-over-quarter, with year-end loan balances projected between $28 billion and $28.5 billion. Additionally, the company reported an adjusted operating return on tangible common equity of 23.8% and an adjusted operating return on assets of 1.46%. Credit quality remained solid, with a net charge-off ratio of 1 basis point and nonperforming assets as a percentage of loans held for investment at 0.60%. The company anticipates a net charge-off ratio of 15 to 20 basis points for the full year. The integration of Sandy Spring is progressing smoothly, and the company plans to expand its presence in North Carolina by opening 10 new branches starting in 2026.

Successful Acquisition of Sandy Spring Bank

The acquisition of Sandy Spring Bank closed on April 1, 2025, ahead of schedule, and the integration is progressing smoothly. The acquisition introduced merger accounting noise, but the operating performance is meeting expectations.

Expansion in Core Net Interest Margin

The reported FTE net interest margin expanded by 38 basis points to 3.83%, with the core net interest margin improving by 8 basis points.

Strong Loan Growth

Pro forma loan growth was approximately 4.0% annualized quarter-over-quarter, exceeding internal expectations despite economic uncertainties, with a strong loan pipeline.

Solid Credit Quality

Credit quality remains solid with only 1 basis point of annualized net charge-offs and a low percentage of past due loans.

Atlantic Union Bankshares (AUB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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AUB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.85 / -	0.83	―	―	―
Jun 30, 2025	2025 (Q2)	0.80 / 0.95	0.63	50.79% (+0.32)	―	―
Apr 24, 2025	2025 (Q1)	0.71 / 0.57	0.65	-12.31% (-0.08)
Jan 23, 2025	2024 (Q4)	0.77 / 0.67	0.78	-14.10% (-0.11)
Oct 21, 2024	2024 (Q3)	0.81 / 0.83	0.8	3.75% (+0.03)
Jul 25, 2024	2024 (Q2)	0.64 / 0.63	0.74	-14.86% (-0.11)
Apr 23, 2024	2024 (Q1)	0.72 / 0.65	0.63	3.17% (+0.02)
Jan 23, 2024	2023 (Q4)	0.75 / 0.78	0.9	-13.33% (-0.12)
Oct 19, 2023	2023 (Q3)	0.74 / 0.80	0.74	8.11% (+0.06)
Jul 25, 2023	2023 (Q2)	0.67 / 0.74	0.69	7.25% (+0.05)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

AUB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jun 30, 2025	$30.93	$30.94	+0.03%
Apr 24, 2025	$25.76	$25.87	+0.43%
Jan 23, 2025	$36.69	$35.43	-3.43%
Oct 21, 2024	$37.30	$34.80	-6.70%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Atlantic Union Bankshares Corporation (AUB) report earnings?

Atlantic Union Bankshares Corporation (AUB) is schdueled to report earning on Oct 27, 2025, Before Open (Confirmed).

What is Atlantic Union Bankshares Corporation (AUB) earnings time?

Atlantic Union Bankshares Corporation (AUB) earnings time is at Oct 27, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is AUB EPS forecast?

AUB EPS forecast for the fiscal quarter 2025 (Q3) is 0.85.

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